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Thursday, April 11, 2013

Go to a job interview with me wearing pants hanging
around your knees or a dress and/or blouse that barely covers you; I will not
hire you. Yes, I will give you a cursory interview, but you will not get the
job. Call me old fashion or even prejudice if you like, but I believe there is
a level of business decorum and respect that needs to be maintained in a work
place no matter what the level or position. The interview is a way for you to
demonstrate your professionalism. For more info get your copy of: How to Find a Job by Larry B. Gray.

Thursday, April 4, 2013

Florida has
seen its share of hardships because of the housing crisis. Analysts say we’re
experiencing a slow recovery, but the aftermath of the housing crisis still
lingers, especially here. The Sunshine State recently witnessed a 3.11 percent increase
in foreclosure activity, according to RealtyTRAC’s year-end report. Lawmakers,
real estate professionals and consumer advocates want to change Florida’s
status and reform its foreclosure process.Lawmakers are currently talking about implementing various measures, and this has spurred debate between
people from all sides of the issue. The proposed laws could considerably alter
the way foreclosures are handled in Florida.

Curing Florida’s long judicial
process

House Bill
87 intends to speed up Florida’s long judicial-foreclosure process. Supporters claim
that the bill looks after borrowers by requiring banks and lenders to show they
own a mortgage before they can file any foreclosure action. If set into law,
the bill would also allow third-party lien holders, such as condo or homeowner
associations, to push foreclosures through a faster process rather than through
the customary court arrangement. House Bill 87 would give borrowers 20 days to
provide defense against the foreclosure action. After a final judgment in
foreclosure is reached, the bill would give banks and lenders one year instead
of the present five years to go after borrowers for losses from a foreclosure.

House Bill
87 The legislation has created
the most discussion out of all the proposed legislation, as Pine Hills foreclosure attorneys might tell you. Opponents of the
bill claim it would rather pump out foreclosures as quickly as possible, instead
of protecting the rights of homeowners. They also claim that 20 days is not
enough time for homeowners to seek out attorneys for foreclosure defense or to provide
their own reasonable defenses. On the other hand, supporters assert the foreclosure
process is long-drawn-out, producing gloom for everyone involved. Proponents
say accelerating the foreclosure process would also be favorable for Florida
real estate’s future success, as homes in foreclosure limbo can be eyesores
that bring surrounding property values down.

Pushing through case backlog

Under Senate
Bill 1666, senior justices or judges would be able to consent to temporary duty
to help with the buildup of foreclosure cases in Florida. The bill would also
allow second publication of the notice of sale of a home to be published online
in lieu of publication in any other form of media.This changes the requirement that a second
notice of pending foreclosure must occur in a print media advertisement, a move
some say is unfair to low-income homeowners and seniors who could only find out
about a looming foreclosure sale through a newspaper notice.

Protection for homeowners in distress

Four bills,
proposed and sponsored by Senator Darren Soto (D-Orlando), seek to aid
homeowners struggling with foreclosure or mortgage issues. Senate Bills 1226
and 371 would mandate that lenders can only file a deficiency judgment one year
after a final foreclosure judgment, and would only have two years to collect
any outstanding debt. Right now, residents can be contacted by debt collectors
for up to two decades. Senate Bill 1236, also known as the “Mortgage Principal
Reduction Act,” would require the Florida Housing Finance Corporation to utilize
$100 million of the federal government’s Hardest-Hit Program to start a
mortgage principal reduction program for Floridians with properties in
foreclosure. The final proposed bill by Soto, the “Short Sale Debt Relief Act,”
would make deficiency judgments unenforceable on a short sale if the original
debt was 20 percent or greater than fair market value.

Based on all
of the proposals presented, Florida will probably see significant changes in
its foreclosure process soon.

Sarah Parr is an Orlando-based writer who blogs about
issues pertaining to foreclosure.

About Me

I grew up in Eastern North Carolina in the small rural town of Aurora. My early years were spent working on my grandparents' tobacco farm and exploring my world of family, friends and school.
After marrying my high school sweetheart in 1972, I moved to Lakeland, Florida where I spent my adult years raising a beautiful family and working in the citrus industry with over 39 years of manufacturing management experience, selling realestate and being a writer wannabe, all at the same time. In my spare time I attended and graduated from Florida Southern College while working full time and starting a family.
I am still married to my high school sweetheart and have 3 beautiful children and two wonderful grandchildren. Life is not always easy but in the scheme of things it is fun and gets better everyday.
Come join me on this great adventure, remembering the past and building the future.